Free California Accident & Health Insurance Practice Exam 1
Prepare for your licensing exam with our realistic state-specific test questions, complete answers, and detailed rationales.
Exam Structure & Overview
Passing the California insurance exam is the ultimate step toward launching your career as a licensed professional. This practice test consists of 25 high-probability questions sampled to match the general composition of topics tested on the real state licensing examination.
Whether you are preparing for the Accident & Health lines or a combined license, practicing with mock questions helps cement concepts, improves time management, and reduces test-day anxiety.
Key Practice Focus Areas
- State Laws & Regulations: Specific rules, licensing duties, and consumer protections.
- Policy Provisions & Options: Standard contract clauses, riders, exclusions, and riders.
- General Principles: Underwriting basics, insurance concepts, and legal requirements.
Recommended Study PathTry this practice exam fully. Review each explanation carefully when an answer is submitted. If you feel ready to unlock the full comprehensive question database, visit the main state hub for deeper exam simulations.
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Test 125 Questions
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General InsuranceUnderwriting & Policy Issuance
What is the purpose of the Medical Information Bureau (MIB)?
General InsuranceBasic Principles
An insurer incorporated in Nevada but conducting business in California is considered a(n):
Health InsuranceGroup Plans
What is a 'Taft-Hartley Trust'?
Health InsuranceHSAs HRAs and FSAs
A Health Reimbursement Arrangement (HRA) differs from a Health Savings Account (HSA) in that an HRA is:
Health InsuranceDisability Insurance
Long-Term Disability (LTD) insurance typically has a benefit period of:
CA Insurance Law & EthicsCalifornia Insurance Code & Unfair Practices
An insurer that pays a claim to a policyholder is preventing the policyholder from also suing the at-fault party because of what principle?
CA Insurance Law & EthicsLicensing & Conduct
An agent's license is considered inactive if:
Health InsuranceManaged Care
A managed care plan member in California believes their urgent claim was improperly denied. Under DMHC regulations, the member has the right to file a grievance and, if unresolved, may request an Independent Medical Review (IMR). Which of the following is TRUE about this process?
Health InsuranceTypes of Policies
Under a typical COB 'birthday rule,' if a child is covered by both parents' health plans, which parent's plan is considered primary?
Health InsuranceMedicare & Medi-Cal
How is Medicare Part B primarily funded?
Health InsuranceGroup Plans
Who receives a certificate of insurance as proof of coverage in a group plan?
Health InsuranceLong-Term Care Insurance
All LTC policies sold in California must be at least:
CA Insurance Law & EthicsSenior Suitability Rules
A cooling-off period in the context of insurance sales to seniors refers to:
Health InsuranceGroup Plans
How much can an employer charge a former employee for COBRA continuation coverage?
Health InsuranceHSAs HRAs and FSAs
An employer offers a Flexible Spending Account with a carryover provision. What is the maximum amount of unused funds an employee may carry over into the next plan year?
General InsuranceUnderwriting & Policy Issuance
In California, what is required before an insurer can test an applicant for HIV?
CA Insurance Law & EthicsCalifornia Insurance Code & Unfair Practices
The purpose of the Unfair Practices Act is to:
Health InsuranceMedicare & Medi-Cal
What is a Medicare Supplement (Medigap) policy designed to do?
Health InsuranceMedicare & Medi-Cal
When can a person change their Medicare Advantage or Part D plan?
General InsuranceBasic Principles
An agent's authority that is written into their agency contract is known as:
Health InsuranceTypes of Policies
Which type of health care plan is characterized by having a primary care physician (PCP) who acts as a 'gatekeeper'?
CA Insurance Law & EthicsLicensing & Conduct
The term 'illustration' in the context of a life insurance policy refers to:
General InsuranceInsurance Marketplace
If an insurer allows an unlicensed individual to solicit insurance applications using the company's letterhead, business cards, and office space, the insurer may be liable under the doctrine of:
Health InsuranceMedicare & Medi-Cal
If a person has group health coverage through their employer after age 65, when should they enroll in Medicare Part B?
Health InsuranceMedicare & Medi-Cal